Car Insurance in Oakland, CA Information

GEICO

$93
/mo

Mercury

$148
/mo

Car Insurance in Oakland, CA

The average cost of California car
insurance will vary from city to city and between insurance companies. Insurify analyzed
the latest insurance rates in Oakland, CA to find you the cheapest quotes in the area.

Cheapest Car Insurance in Oakland, CA

Here are the cheapest carriers in Oakland for the following user profile: a
single, 30 year old male with a clean driving record who drives a 2012 Honda Accord
and pays a $1,000 deductible for the state’s minimum liability insurance.

$93
/mo

$148
/mo

Best Car Insurance in Oakland, CA

The Insurify Composite Score is calculated by analyzing
multiple factors that indicate the quality, reliability, and health of an
insurance company. Inputs to the score include financial strength ratings from
A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer
Reports customer satisfaction surveys, mobile app reviews, and user-generated
carrier reviews. The following are the top rated carriers that offer car
insurance in Oakland. For the complete list, see Insurify's
best car insurance companies.

Average Car Insurance Cost

$149/mo

$100/mo

$100/mo

$132/mo

$120/mo

$120/mo

Oakland, CA Driving Facts

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

$15,000 bodily injury liability per person

$30,000 bodily injury liability per accident

$5,000 property damage liability per accident

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across
geographical locations,
age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other
insightful reports.
We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational
attainment, and other areas.

FAQs - Oakland, CA Car Insurance

How does where I live affect my car insurance rates?

Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.

How can I get the cheapest car insurance in my area?

If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.